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Thank you. I found this article to be quite enlightening. As an "everyday" person, I think that it's important to have our "papers" in order: even if we choose to review and revise them, every several years. We cannot predict what will happen but, we can make an effort to not be caught with our pants down and our cherished ones not taken care of. It's a simple process and yes, I've had to update mine several times, within the last few years but, at least I'm putting forth an effort to have a say so in how my "hard earned" funds will be utilized after my departure.